howdy goldendawne! I'm sorry I'm late to vote on this post but wanted to say "great job" because you bring up some thought-provoking ideas here. Women are definitely more causious than men when it comes to investing and budgets, they are more logical and less willing to take risks in my opinion. Mrs. J is a good example of wanting me to prove that the time I'm spending here is worth it because she would never take that risk!